Non-owner auto insurance in Oklahoma: Which company has the cheapest rates?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Non-owner auto insurance in Oklahoma is $218 per year, which is $162 lower than the national average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Oklahoma, such as State Farm, Geico and Progressive. 

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Oklahoma.

How much does non-owner auto insurance cost in Oklahoma?

Non-owner insurance is usually less expensive than typical car insurance—insurers consider non-owner policyholders as less of a risk because they have limited access to a vehicle.

In the United States, it costs an average of $1,682 per year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. This rate is based on drivers with a good credit score and a clean driving record. The yearly cost of full coverage car insurance is $1,692 in Oklahoma.

Meanwhile, non-owner car insurance costs $380 a year on average in the U.S. and $218 in Oklahoma.

Rates are based on various factors, such as which insurer you buy from, your age and driving history and where in Oklahoma you live.

Which insurer offers the cheapest non-owner insurance rates in Oklahoma?

USAA offers Oklahoma’s least expensive non-owner insurance policy at $87 a year.

At $329, Farmers Insurance charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Oklahoma.

Cheapest non-owner insurance rates in Oklahoma

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Oklahoma by age?

Age plays an important role in pricing because young people who haven’t been driving for a long time are seen as riskier and as more likely to cause an accident. So, older and more experienced drivers usually enjoy cheaper rates. On average, non-owner insurance costs $1,207 annually for a 16-year-old and $218 for a 45-year-old in Oklahoma.

Average non-owner car insurance rates in Oklahoma by age and gender

Which Oklahoma cities have the cheapest non-owner car insurance?

Non-owner car insurance rates vary from city to city. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the U.S.

The tables below show which cities in Oklahoma have the lowest and highest non-owner car insurance rates.

The 20 Oklahoma cities with the lowest non-owner auto insurance rates

The 20 Oklahoma cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Oklahoma’s 10 biggest cities?

The largest cities in Oklahoma sometimes have varying rates. The cost of non-owner insurance in Tulsa is the most expensive at $226. Enid has the cheapest prices among the state’s largest cities at $158.

Non-owner car rates in Oklahoma’s 10 largest  cities

How non-owner insurance rates in Oklahoma compare to rates in other states

From state to state, the rates for non-owner car insurance vary. Oklahoma’s average non-owner insurance rate is $218, lower than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 a year. Iowa is the third cheapest at $193 annually.

Non-owner car insurance rates in the 10 most populous  states

How to get non-owner auto insurance in Oklahoma

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurance companies with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.